Paper FBW-F: Four-Sector Cosmology: A Unified Framework for Quantum Gravity, Information, and Cosmic Structure

We present Four-Sector Cosmology (FSC), a unified theoretical framework based on Z4 cyclic symmetry acting on the time coordinate, generating four sectors: Sector-I (baryonic matter), Sector-II (dark matter), Sector-III (dark energy), Sector-IV (CPT-conjugate, Omega_IV(t0) ~ 1.1e-3). Principal results: (1) Class A prediction with zero observational input: N_epoch = 9 - |Gen(Z4)| = 9 - 2 = 7 cosmological epochs. (2) Class B: beta = 4*ln(R)/(3*pi) ~ 0.7158 (algebraic structure from Z4; number requires R = 5.4). (3) Theorem FF-7: FSC global state = thermofield double state, Page time t* ~ 1.75 Gyr. (4) Theorem FF-8: Z4 algebraic realisation of Penrose Objective Reduction. Honest assessment: n_t = -0.064 withdrawn (OQ-FF-22); H0_GW = 60.2 km/s/Mpc withdrawn (OQ-FF-24); Delta_H0 = 2.69 km/s/Mpc is a partial fit (48%), not a prediction; w_a = +0.003 is Class C, in sign tension with DESI 2024. Twelve open questions and four falsifiability conditions explicitly stated.